CN112116351A - Service processing method and device - Google Patents
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Abstract
The invention discloses a service processing method and a service processing device, and relates to the technical field of computers. A specific implementation mode of the method comprises the steps of receiving a user payment service request, decrypting a first target field in the request through a platform private key to obtain an encryption key, and further decrypting a second target field in the request based on the encryption key to obtain a payment service field; calling a preset matching model to obtain payment project information corresponding to the payment service field, and then routing the payment project information to a corresponding payment system based on the payment project information so as to call a functional interface of the payment system; and calling a preset message public field, generating a message based on the payment service field and the user identification, and sending the message to the payment system through the functional interface for service processing. Therefore, the implementation mode of the invention can solve the problems that the existing payment platform can not meet the user requirements and has large limitation.
Description
Technical Field
The present invention relates to the field of computer technologies, and in particular, to a method and an apparatus for processing a service.
Background
At present, in the payment field of each commercial bank in China, the payment items and payment modes covered by payment are still limited in each financial institution, and the requirements of customers are difficult to meet. For the payment system of other mechanisms, there is no suitable solution in the aspect of providing fair and fair payment channels for the socialization platform.
In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art:
various payment products are always subjected to various problems such as multiple types, various payment items, different standards and the like, and the conventional technical mode cannot be accessed to payment systems of other financial institutions, so that the payment item types and payment channels supported by various platforms are limited.
Disclosure of Invention
In view of this, embodiments of the present invention provide a service processing method and apparatus, which can solve the problem that the existing payment platform cannot meet user requirements and is limited greatly.
In order to achieve the above object, according to an aspect of the embodiments of the present invention, a service processing method is provided, including receiving a request for a payment service from a user, decrypting a first target field in the request by using a platform private key to obtain an encryption key, and decrypting a second target field in the request based on the encryption key to obtain a payment service field; calling a preset matching model to obtain payment project information corresponding to the payment service field, and then routing the payment project information to a corresponding payment system based on the payment project information so as to call a functional interface of the payment system; and calling a preset message public field, generating a message based on the payment service field and the user identification, and sending the message to the payment system through the functional interface for service processing.
Optionally, after decrypting the second target field in the request based on the encryption key, the method includes:
acquiring a signature in a second target field, and verifying the signature through the user public key;
judging whether the verification results are consistent or not, and if so, obtaining a payment service field; if not, generating and outputting a message of request failure.
Optionally, the routing to the corresponding payment system based on the payment project information includes:
acquiring a routable payment system of the payment project information;
judging whether various payment systems exist or not, if so, calling a judgment engine to determine the payment system with the minimum current flow based on the index data of each payment system in a preset time period, and routing to the payment system; if not, directly routing to the corresponding payment system.
Optionally, the method further comprises:
monitoring that account checking triggering conditions are met, and receiving account checking files of a payment system;
calling preset account checking configuration information, converting the account checking file into a standardized account checking file, and splitting the standardized account checking file based on the user identification;
and pushing the split standardized reconciliation file according to the address corresponding to the user identifier.
Optionally, generating a message based on the payment service field and the user identifier, so as to send the message to the payment system through the functional interface, including:
monitoring the functional interface, judging whether a service processing result is received within a preset first time, if so, sending a response message to a payment system, and forwarding the service processing result to a client; and if not, receiving the service processing result which is retransmitted in the preset second time.
Optionally, a preset public field of the message is called, and the message is generated based on the payment service field and the user identifier, including:
calling a preset public field of the message, acquiring a transmission mode field to determine an encryption mode, and further encrypting the payment service field and the user identifier;
and acquiring a secret key in the transmission parameter field to generate a message together with the encrypted payment service field and the user identification.
Optionally, the method further comprises:
and receiving a user payment service request by adopting a POST mode.
In addition, the invention also provides a service processing device, which comprises an acquisition module, a processing module and a display module, wherein the acquisition module is used for receiving the payment service request of the user, decrypting the first target field in the request through the platform private key to obtain an encryption key, and further decrypting the second target field in the request based on the encryption key to obtain the payment service field; the processing module is used for calling a preset matching model to obtain payment item information corresponding to the payment service field, and then routing the payment item information to a corresponding payment system based on the payment item information so as to call a functional interface of the payment system; and calling a preset message public field, generating a message based on the payment service field and the user identification, and sending the message to the payment system through the functional interface for service processing.
One embodiment of the above invention has the following advantages or benefits: the invention enlarges the service range supported by the platform, supports the convenient and quick access of the payment system of each financial institution, realizes the unified payment of supporting the whole payment channel including the third party payment such as bank payment, Unionpay payment, WeChat payment, Payment treasure payment, wallet payment and the like, creates the standard interface specification of unified access, supports each channel and payment mode by the unified interface, and can support the payment of various channels such as PC, APP, H5, all-in-one machines, off-line halls and the like by the platform with one-time access. Meanwhile, the invention can be connected with an external payment channel, and can support the access of a third party collection channel such as a collection channel, a WeChat payment treasure and the like, and after the collection channels are uniformly accessed according to the access specification, the user can automatically route to a corresponding payment system according to payment items when paying. The unified account checking service is provided, third party payment such as bank payment, unionpay, WeChat, Payment treasured and wallet is supported, and the account checking files of all payment systems are processed and collected into a unified payment platform standard docking file format. The method is compatible with the current situation of the account checking system, can reuse the clearing path of the original collection unit, and does not change the original clearing flow of the collection system. In addition, a unified management entrance is provided, a unified payment platform provides the unified management entrance, and users of access units, platform operators and the like can log in to carry out information inquiry and parameter maintenance. The whole process is handled on line, and platform access, charge item increase, charge item start and stop, refund, account checking, statement downloading and the like can be handled on line.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
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The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic diagram of a main flow of a service processing method according to a first embodiment of the present invention;
fig. 2 is a schematic diagram of a main flow of a service processing method according to a second embodiment of the present invention;
FIG. 3 is a schematic diagram of the main modules of a traffic processing apparatus according to an embodiment of the present invention;
FIG. 4 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 5 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Fig. 1 is a schematic diagram of a main flow of a service processing method according to a first embodiment of the present invention, and as shown in fig. 1, the service processing method includes:
step S101, receiving a user payment service request, decrypting a first target field in the request through a platform private key to obtain an encryption key, and then decrypting a second target field in the request based on the encryption key to obtain a payment service field.
In some embodiments, after decrypting the second target field in the request based on the encryption key, a signature in the second target field may be obtained, the signature being verified by the user public key. And then, judging whether the verification result is consistent, and if so, obtaining a payment service field. If not, generating and outputting a message of request failure.
It should be noted that, the user payment service request is received in a POST manner. The POST mode is an array formed by variables transmitted through an HTTP POST method, and is an automatic global variable.
In a preferred embodiment, parameters in the input interface and the output interface of the payment service field (i.e. input data and output data of the interface for transmitting the payment service field) need to be transmitted in a json string. For the requested parameters, the signature information SIGN _ INF field may be removed, parameters with null values may be removed, and sorted in ascending alphabetical order by interface field letters (e.g., encrypted and decrypted by sorting fields in lexicographic order using the method provided in demo, which is an example code of a computer language).
And S102, calling a preset matching model to obtain payment item information corresponding to the payment service field, and routing to a corresponding payment system based on the payment item information so as to call a functional interface of the payment system.
In some embodiments, the platform automatically routes the payment item to a payment system corresponding to the payment item according to the payment item. If the payment project supports various payment systems, the payment flow can be averagely shared. The specific implementation process comprises the following steps:
and acquiring the routable payment system of the payment project information. And then, judging whether various payment systems exist, if so, calling a judgment engine to determine the payment system with the minimum current flow based on the index data of each payment system in a preset time period, and routing to the payment system. If not, directly routing to the corresponding payment system.
That is, the platform configures corresponding payment systems for each payment type fee item, and the number may be one or more. When the number of the payment systems is one, payment is initiated on the payment project, and the payment is automatically routed to the payment systems. And when the number of the payment systems is more than one, adopting a set of flow balancing algorithm. For example: and comparing the payment amount of the fee item in the current month, the payment amount of all the fee items in the current month and the payment amount of all the fee items in the current month under a plurality of payment systems in which the payment items are in butt joint with each other. The method is adaptively distributed to the payment system with the minimum current flow, so that the flow is evenly distributed and fair.
Step S103, a preset public message field is called, a message is generated based on the payment service field and the user identification, and the message is sent to the payment system through the functional interface for service processing.
In the embodiment, in order to make the access more convenient and faster, the invention sets up a set of payment system access standards. The standard respectively establishes a unified interface for each function of a butt-joint payment system, for example: the functional interfaces comprise inquiry of information to be paid, skip of payment interface, notification of payment result by the payment system, downloading of reconciliation file, pushing of reconciliation file and the like.
And inquiring the information to be paid, namely inquiring the information to be paid from the payment system. Input interface main service field:
output interface main service field:
wherein, skip payment interface, namely initiate payment interface. For example: the page jumps to the checkout counter, at which time the payment institution that made the payment and the payment method using the payment institution are determined on the checkout counter. After the confirmation, the cash desk calls a skip payment interface, and then the platform requests payment url from each payment system through the interface. And if the payment mode is the two-dimensional code, the uniform payment platform returns the two-dimensional code string of the cash desk, and the cash desk calls a third-party tool to display the two-dimensional code for the user. And if the payment mode is bank card payment, the platform returns the payment URL, and the cashier desk jumps to a payment page of the corresponding payment system to pay.
Input interface main service field:
the mode code of the bank merchant, the general payment interface is filled in 01, and the payment interface is filled in 02. And (4) mechanism coding, and filling in the unique identification of the payment mechanism. The payment mode code is a payment mode selected by the user, and a corresponding code is transmitted according to the payment mode.
Output interface main service field:
the functional interface for actively informing the payment result inputs the main service fields of the interface:
the functional interface for actively informing the payment result outputs the main service field of the interface:
| interface field | Name (R) | Whether or not to transport | Remarks for note |
| Rcv_StCd | Receiving a status code | Must be transfused | 00-success, 01-failure |
The function interface for inquiring the payment result can actively inquire the payment result from the payment system. Input interface main service field:
the main business fields of the output interface of the functional interface for inquiring the payment result are as follows:
the function interface for bill pushing inputs the main service field of the interface:
| interface field | Name (R) | Whether or not to transport | Remarks for note |
| Rcncl_Dt | Date of account checking | Must be transfused | Date of issue of order |
| Tran_Tol_No | Number of transaction | Must be transfused | Total number of transactions |
| Tran_Tol_Amt | Amount of transaction | Must be transfused | Total amount of transaction |
| File_Nm | Filename | Must be transfused | |
| MD5 | MD5 value | Must be transfused | MD5 of file |
The reconciliation date is the date when the statement is pushed on the same day, namely the invoice date. The transaction number is the total transaction number in the statement bill and is used for verifying the accuracy of the statement bill by the client side. The transaction amount is the total transaction amount in the statement bill and is used for verifying the accuracy of the statement bill by the client side. The MD5 is an MD5 value, and a character string obtained after MD5 is carried out on the bill is used for verifying whether the file is tampered.
Output interface main service field:
| interface field | Name (R) | Whether or not to transport | Remarks for note |
| Rcv_StCd | Receiving a status code | Must be transfused | 00-success, 01-failure |
In some embodiments, a preset public field of the message is called, and the message is generated based on the payment service field and the user identifier, and the specific implementation process includes:
and calling a preset public field of the message, acquiring a transmission mode field to determine an encryption mode, and further encrypting the payment service field and the user identifier. And then, acquiring a secret key in the transmission parameter field to generate a message together with the encrypted payment service field and the user identification.
It can be seen that, in order to ensure the security of data transmission, the input and output messages of the functional interface all adopt a full-message encryption mode. Meanwhile, the preset common fields of the messages are used no matter the messages are input messages or output messages, for example, as shown in the following table.
The transmission mode is an encryption mode adopted by the written message, for example, default transmission 1, that is, AES encryption transmission. If the transmission parameter, for example, the transmission mode is 1, the encrypted AES key is filled in, and the key is used once and for once, and a new symmetric key needs to be generated each time. The initiator system number is a system unique mark distributed when the user is in a platform (such as a unified payment platform) so as to determine the identity of the user. The service data is the encrypted service data (i.e. the payment service field) written in, and is a cipher text.
In a further embodiment, a user private key a and a platform public key B are allocated when the user accesses, the user private key is used for generating a signature, and the platform public key is used for encrypting a secret key. Taking an input message of a request initiated by a user to a platform (such as a unified payment platform) as an example (encryption process):
the method comprises the following steps: and splicing the payment service fields and generating a signature, wherein the signature algorithm is SHA256withRSA and requires a user private key A to sign.
Step two: generating a random encryption key pair Bsn _ Data is symmetrically encrypted.
Step three: the random encryption key is asymmetrically encrypted using the platform public key B.
Step four: and submitting the form request by adopting a POST mode.
And when the platform decrypts the payment service request:
the method comprises the following steps: and decrypting the Tprt _ Parm field by using the platform private key to obtain an encryption key.
Step two: the spliced original string and signature are obtained by decrypting Bsn _ Data using the encryption key.
Step three: and verifying the signature by using the user public key, and if the signature is consistent, passing.
Otherwise, the process of the output message returned to the user by the platform (the unified payment platform) is as follows:
the method comprises the following steps: and the splicing unified payment platform returns the service field and generates a signature, the signature algorithm is SHA256withRSA, and a platform private key A is required to be used for signature.
Step two: a random encryption key is generated and Bsn _ Data is symmetrically encrypted.
Step three: the random encryption key is asymmetrically encrypted using the client public key B.
Step four: and (4) outputting by adopting a POST mode.
In addition, the process of decrypting the returned message by the user is the same as the process of decrypting the returned message by the user.
As another embodiment, generating a message based on the payment service field and the user identifier, so as to send the message to the payment system through the functional interface, includes:
monitoring the functional interface, judging whether a service processing result is received within a preset first time, if so, sending a response message to a payment system, and forwarding the service processing result to a client; and if not, receiving the service processing result which is retransmitted in the preset second time.
For example: if the payment is successful, the payment system can inform the unified payment platform of the payment result, and if the unified payment platform does not receive the payment result and does not answer the payment result, the notice can be repeatedly sent in one day.
As still another embodiment, for reconciliation of various payment systems, the platform can support processing reconciliation files of different payment systems or payment systems into a unified payment platform standardized reconciliation file, and pushing the reconciliation files according to the requirements after splitting the client platform. For example: and the platform can check accounts with the different butted payment systems at the end of the day.
In a further embodiment, after account checking by the platform, the account checking results of the payment systems are sorted according to the platform ID of the access party of the user. And after generating the statement bill according to the statement bill format of the unified payment, pushing the statement bill to a statement bill pushing address configured by the user. The specific implementation process comprises the following steps:
and monitoring to meet account checking triggering conditions, and receiving account checking files of the payment system. And then calling preset account checking configuration information, converting the account checking file into a standardized account checking file, and splitting the standardized account checking file based on the user identification. And pushing the split standardized reconciliation file according to the address corresponding to the user identifier.
It can be seen that the user is transparent to the payment system to which the payment service on the platform is connected, and the user receives a uniform reconciliation file no matter what kind of payment system the payment service is connected to.
Fig. 2 is a schematic diagram of a main flow of a service processing method according to a second embodiment of the present invention, and as shown in fig. 2, the service processing method includes:
step S201, a POST mode is adopted to receive a user payment service request.
Step S202, the first target field in the request is decrypted through a platform private key to obtain an encryption key, and then the second target field in the request is decrypted based on the encryption key.
Step S203, acquiring the signature in the second target field, and verifying the signature through the user public key.
Step S204, determining whether the verification result is consistent, if so, performing step S205, otherwise, performing step S206.
Step S205, acquiring a payment service field, calling a preset matching model to obtain payment item information corresponding to the payment service field, and performing step S207.
Step S206, generating and outputting the message of request failure, and exiting the process.
Step S207, acquiring the routable payment system of the payment project information.
Step S208, determining whether there are multiple payment systems, if yes, performing step S209, otherwise, performing step S210.
Step S209, a judgment engine is invoked to determine the payment system with the minimum current flow based on the index data of each payment system in a preset time period, so as to route the payment system to the step S211.
And step S210, directly routing to a corresponding payment system, and performing step S211.
Step S211, a preset public field of the message is called, a message is generated based on the payment service field and the user identification, and the message is sent to the payment system through the functional interface for service processing.
In summary, the unified payment platform of the present invention is a universal and novel payment infrastructure integrating payment methods and payment projects of financial institutions. The platform can be connected with payment systems of financial institutions, third-party payment systems, receipt units and the like, break the technical barriers among various payment platforms and provide full payment modes of online and offline, public and private payment and the like for the social platform. The platform can integrate the mature payment capabilities of financial institutions and units, provide standardized access interfaces, access management and the like, reuse the original payment modes and systems of payment systems, do not change the original fund processing flow and reduce the modification amount of the payment systems; meanwhile, the payment capability of each payment mechanism can be integrated, the original merchant system is reused, information such as merchants, payment items and the like is maintained on the unified payment platform, and payment can be completed according to the unified interface. The payment system realizes service type, standard and all-round payment infrastructure and meets the requirements on payment compliance, convenience and functional completeness.
Fig. 3 is a schematic diagram of main modules of a service processing apparatus according to an embodiment of the present invention, and as shown in fig. 3, the service processing apparatus 300 includes an obtaining module 301 and a processing module 302. The obtaining module 301 receives a user payment service request, decrypts a first target field in the request through a platform private key to obtain an encryption key, and further decrypts a second target field in the request based on the encryption key to obtain a payment service field; the processing module 302 calls a preset matching model to obtain payment item information corresponding to the payment service field, and then routes the payment item information to a corresponding payment system based on the payment item information so as to call a functional interface of the payment system; and calling a preset message public field, generating a message based on the payment service field and the user identification, and sending the message to the payment system through the functional interface for service processing.
In some embodiments, after the obtaining module 301 decrypts the second target field in the request based on the encryption key, the obtaining module includes:
acquiring a signature in a second target field, and verifying the signature through the user public key;
judging whether the verification results are consistent or not, and if so, obtaining a payment service field; if not, generating and outputting a message of request failure.
In some embodiments, the processing module 302 routes to a corresponding payment system based on the payment project information, including:
acquiring a routable payment system of the payment project information;
judging whether various payment systems exist or not, if so, calling a judgment engine to determine the payment system with the minimum current flow based on the index data of each payment system in a preset time period, and routing to the payment system; if not, directly routing to the corresponding payment system.
In some embodiments, the processing module 302 is further configured to:
monitoring that account checking triggering conditions are met, and receiving account checking files of a payment system;
calling preset account checking configuration information, converting the account checking file into a standardized account checking file, and splitting the standardized account checking file based on the user identification;
and pushing the split standardized reconciliation file according to the address corresponding to the user identifier.
In some embodiments, the processing module 302 generates a message based on the payment service field and the user identifier, so that after the message is sent to the payment system through the functional interface, the method includes:
monitoring the functional interface, judging whether a service processing result is received within a preset first time, if so, sending a response message to a payment system, and forwarding the service processing result to a client; and if not, receiving the service processing result which is retransmitted in the preset second time.
In some embodiments, the processing module 302 invokes a preset public field of the message, and generates the message based on the payment service field and the user identifier, including:
calling a preset public field of the message, acquiring a transmission mode field to determine an encryption mode, and further encrypting the payment service field and the user identifier;
and acquiring a secret key in the transmission parameter field to generate a message together with the encrypted payment service field and the user identification.
In some embodiments, the obtaining module 301 is further configured to:
and receiving a user payment service request by adopting a POST mode.
It should be noted that, the service processing method and the service processing apparatus of the present invention have corresponding relation in the specific implementation content, and therefore, the repeated content is not described again.
Fig. 4 shows an exemplary system architecture 400 of a service processing method or service processing apparatus to which embodiments of the present invention may be applied.
As shown in fig. 4, the system architecture 400 may include terminal devices 401, 402, 403, a network 404, and a server 405. The network 404 serves as a medium for providing communication links between the terminal devices 401, 402, 403 and the server 405. Network 404 may include various types of connections, such as wire, wireless communication links, or fiber optic cables, to name a few.
A user may use terminal devices 401, 402, 403 to interact with a server 405 over a network 404 to receive or send messages or the like. The terminal devices 401, 402, 403 may have installed thereon various communication client applications, such as shopping-like applications, web browser applications, search-like applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).
The terminal devices 401, 402, 403 may be various electronic devices having a business process screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 405 may be a server providing various services, such as a background management server (for example only) providing support for shopping websites browsed by users using the terminal devices 401, 402, 403. The backend management server may analyze and perform other processing on the received data such as the product information query request, and feed back a processing result (for example, target push information, product information — just an example) to the terminal device.
It should be noted that the service processing method provided by the embodiment of the present invention is generally executed by the server 405, and accordingly, the computing device is generally disposed in the server 405.
It should be understood that the number of terminal devices, networks, and servers in fig. 4 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 5, shown is a block diagram of a computer system 500 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 5 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 5, the computer system 500 includes a Central Processing Unit (CPU)501 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)502 or a program loaded from a storage section 508 into a Random Access Memory (RAM) 503. In the RAM503, various programs and data necessary for the operation of the computer system 500 are also stored. The CPU501, ROM502, and RAM503 are connected to each other via a bus 504. An input/output (I/O) interface 505 is also connected to bus 504.
The following components are connected to the I/O interface 505: an input portion 506 including a keyboard, a mouse, and the like; an output section 507 including a display such as a Cathode Ray Tube (CRT), a liquid crystal service processor (LCD), and the like, and a speaker and the like; a storage portion 508 including a hard disk and the like; and a communication section 509 including a network interface card such as a LAN card, a modem, or the like. The communication section 509 performs communication processing via a network such as the internet. The driver 510 is also connected to the I/O interface 505 as necessary. A removable medium 511 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 510 as necessary, so that a computer program read out therefrom is mounted into the storage section 508 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 509, and/or installed from the removable medium 511. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 501.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes an acquisition module and a processing module. Wherein the names of the modules do not in some cases constitute a limitation of the module itself.
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs, and when the one or more programs are executed by the equipment, the equipment comprises a first field module, a second field module, a third field module and a fourth field module, wherein the first field module receives a user payment service request, decrypts a first target field in the request through a platform private key to obtain an encryption key, and decrypts a second target field in the request based on the encryption key to obtain a payment service field; calling a preset matching model to obtain payment project information corresponding to the payment service field, and then routing the payment project information to a corresponding payment system based on the payment project information so as to call a functional interface of the payment system; and calling a preset message public field, generating a message based on the payment service field and the user identification, and sending the message to the payment system through the functional interface for service processing.
According to the technical scheme of the embodiment of the invention, the problems that the existing payment platform cannot meet the user requirement and is large in limitation can be solved.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A method for processing a service, comprising:
receiving a user payment service request, decrypting a first target field in the request through a platform private key to obtain an encryption key, and further decrypting a second target field in the request based on the encryption key to obtain a payment service field;
calling a preset matching model to obtain payment project information corresponding to the payment service field, and then routing the payment project information to a corresponding payment system based on the payment project information so as to call a functional interface of the payment system;
and calling a preset message public field, generating a message based on the payment service field and the user identification, and sending the message to the payment system through the functional interface for service processing.
2. The method of claim 1, wherein after decrypting the second target field in the request based on the encryption key, comprising:
acquiring a signature in a second target field, and verifying the signature through the user public key;
judging whether the verification results are consistent or not, and if so, obtaining a payment service field; if not, generating and outputting a message of request failure.
3. The method of claim 1, wherein routing to a corresponding payment system based on the payment item information comprises:
acquiring a routable payment system of the payment project information;
judging whether various payment systems exist or not, if so, calling a judgment engine to determine the payment system with the minimum current flow based on the index data of each payment system in a preset time period, and routing to the payment system; if not, directly routing to the corresponding payment system.
4. The method of claim 1, further comprising:
monitoring that account checking triggering conditions are met, and receiving account checking files of a payment system;
calling preset account checking configuration information, converting the account checking file into a standardized account checking file, and splitting the standardized account checking file based on the user identification;
and pushing the split standardized reconciliation file according to the address corresponding to the user identifier.
5. The method of claim 1, wherein generating a message based on the payment service field and a user identifier to send the message to the payment system through the functional interface comprises:
monitoring the functional interface, judging whether a service processing result is received within a preset first time, if so, sending a response message to a payment system, and forwarding the service processing result to a client; and if not, receiving the service processing result which is retransmitted in the preset second time.
6. The method of claim 1, wherein invoking a predetermined public field of the message and generating the message based on the payment service field and the user identifier comprises:
calling a preset public field of the message, acquiring a transmission mode field to determine an encryption mode, and further encrypting the payment service field and the user identifier;
and acquiring a secret key in the transmission parameter field to generate a message together with the encrypted payment service field and the user identification.
7. The method of any of claims 1-6, further comprising:
and receiving a user payment service request by adopting a POST mode.
8. A traffic processing apparatus, comprising:
the acquisition module is used for receiving a user payment service request, decrypting a first target field in the request through a platform private key to obtain an encryption key, and further decrypting a second target field in the request based on the encryption key to obtain a payment service field;
the processing module is used for calling a preset matching model to obtain payment item information corresponding to the payment service field, and then routing the payment item information to a corresponding payment system based on the payment item information so as to call a functional interface of the payment system; and calling a preset message public field, generating a message based on the payment service field and the user identification, and sending the message to the payment system through the functional interface for service processing.
9. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-7.
10. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-7.
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